3545 Split Rail Ln, Ellicott City, MD 21042 Property Records

Howard County property record for 3545 Split Rail Ln, Ellicott City, MD 21042

Property Summary

Property Type	Townhouse
Details	3 ba · 1,320 sqft · built 1980
Lot Size	0.048 acres (2,090 sqft)
Owner	2 Individual Names on Record
Last Sale	$359,900 (Mar 2019)
Tax Bill	$5,489 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-267608`

Property Details

APN / Parcel Number

Primary APN	`02-267608`
Alternative APNs	`2267608` `267608`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,320 sqft Total Area
Basement Area	495 sqft
Finished Basement	495 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,090 sqft (0.048 acres)
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	267608
Street Address	3545 SPLIT RAIL LN
City	ELLICOTT CITY
State	MD
Zip	21042-3832
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RSA8
Legal Description	LOT 25 2,090 SQ 3545 SPLIT RAIL LN GOVERNORS LANDING
Legal Subdivision	GOVERNORS LANDING
Legal Lot Number	25
Jurisdiction	HOWARD MD
Township / Civil Division	2, ELLICOTT CITY
Census Block Group	1
Census Block	1004
Census Tract	602306

Owner

Source: Howard County records, as of September 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3545 SPLIT RAIL LN, ELLICOTT CITY, MD 21042-3832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 6, 2018	Deed of Trust, Mortgage · Line of Credit ANDREWS FCU
Mar 29, 2019	Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2019 · Amount on Record
Deed Sale	Mar 29, 2019 · Amount on Record
Prior Sale	Jul 15, 2013 · Amount on Record
Deed Book / Page	18601 / 28
Prior Transfer Date	Nov 17, 2010
Prior Transfer Doc	0128540022
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	3545 SPLIT RAIL LN, ELLICOTT CITY, MD 21042-3832
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	UNIVERSAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0199760059
Date	Dec 2, 2020
Book Page	19976/59

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	3545 SPLIT RAIL LN, ELLICOTT CITY, MD 21042-3832
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0184730443
Date	Dec 6, 2018
Book Page	18473/443

Lender

Name	ANDREWS FCU
Type	Credit Union
Address	SUITLAND, MD 20746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 25, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Mar 29, 2019
Property Address	3545 SPLIT RAIL LN, ELLICOTT CITY, MD 21042-3832
Document Number	0186010028
Book / Page	18601 / 028
Map Reference	PL 4285
Instrument Date	Mar 25, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,498.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3545 SPLIT RAIL LN, ELLICOTT CITY, MD 21042-3832

Mortgage

Document Number	0001860135
Date	Mar 29, 2019
Instrument	18601/35

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Howard County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Howard County
Unified School District	Howard County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,489.00 (-4.39%) Homeowner's exemption	$429,633 (+9.08%)	$465,400 (-) Land $225,000 Building $240,400
2025	$5,741.00 (+5.24%) Homeowner's exemption	$393,867 (+16.16%)	$465,400 (+29.96%) Land $225,000 Building $240,400
2024	$5,455.00 (+51.4%)
2023		$339,067	$358,100 Land $155,000 Building $203,100
2022	$3,603.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 31, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 units insured incl. 14 condo units
Nearby Flood Claims	7 (2011–2018)
Claims Outside the SFHA	4 of 7
Most Recent Claim	May 2018 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, May 2018 · 4 claims Remnants Of Tropical Storm Lee, Sep 2011 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HOWARD COUNTY D.P.W. DISTRIBUTION serves 286,158 people · EPA ID MD0130002
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2024
Lead	3 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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